The Western State Bank is a state-chartered bank headquartered in Garden City, Kansas, in business for about 53 years. At the end of Q2 2026 it reported $802.1M in total assets and $717.2M in deposits, with 9 offices.
The Western State Bank has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 177th. Earnings contributes the most (77/100, 1.43%); loan quality contributes the least (0/100, 3.04%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 26 points (75 → 49), mostly because the loan quality component weakened by 78 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 79 |
| Q4 2024 | 75 |
| Q1 2025 | 75 |
| Q2 2025 | 75 |
| Q3 2025 | 76 |
| Q4 2025 | 74 |
| Q1 2026 | 70 |
| Q2 2026 | 49 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.65% |
| Q3 2024 | 10.67% |
| Q4 2024 | 10.50% |
| Q1 2025 | 10.56% |
| Q2 2025 | 10.53% |
| Q3 2025 | 10.65% |
| Q4 2025 | 10.59% |
| Q1 2026 | 10.63% |
| Q2 2026 | 10.69% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.73% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.66% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.76% |
| Q1 2026 | 1.27% |
| Q2 2026 | 3.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.36% |
| Q3 2024 | 2.39% |
| Q4 2024 | 2.37% |
| Q1 2025 | 2.40% |
| Q2 2025 | 2.43% |
| Q3 2025 | 2.44% |
| Q4 2025 | 2.42% |
| Q1 2026 | 2.37% |
| Q2 2026 | 1.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $802.1M | 10.69% | 3.04% | 1.43% | 72.4% |
| Q1 2026 | 70 | $824.8M | 10.63% | 1.27% | 2.37% | 71.7% |
| Q4 2025 | 74 | $825.4M | 10.59% | 0.76% | 2.42% | 71.7% |
| Q3 2025 | 76 | $793.9M | 10.65% | 0.61% | 2.44% | 73.8% |
| Q2 2025 | 75 | $791.7M | 10.53% | 0.66% | 2.43% | 74.6% |
| Q1 2025 | 75 | $781.7M | 10.56% | 0.70% | 2.40% | 75.1% |
| Q4 2024 | 75 | $766.8M | 10.50% | 0.73% | 2.37% | 76.7% |
| Q3 2024 | 79 | $754.9M | 10.67% | 0.40% | 2.39% | 74.5% |
| Q2 2024 | 77 | $725.4M | 10.65% | 0.43% | 2.36% | 79.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Option BankBank Osawatomie, KS | 68 out of 100, Moderate | $817.6M | 8.2% | 0.02% | vs |
| Community National BankBank Seneca, KS | 67 out of 100, Moderate | $853.1M | 9.7% | 1.47% | vs |
| Legacy BankBank Colwich, KS | 74 out of 100, Strong | $865.0M | 10.6% | 0.06% | vs |
| Union State BankBank Arkansas City, KS | 76 out of 100, Strong | $719.1M | 10.2% | 0.19% | vs |
| United Bank & TrustBank Marysville, KS | 79 out of 100, Strong | $892.9M | 11.5% | 0.00% | vs |
| Farmers & Merchants Bank of ColbyBank Colby, KS | 73 out of 100, Strong | $650.8M | 11.2% | 0.61% | vs |
Deposit insurance
Is my money safe at The Western State Bank?
Yes. The Western State Bank is an FDIC-insured institution (FDIC certificate #21121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.8% of deposits ($249.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.69%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.04% (benchmark: 10%).
9 locations
Branches
The Western State Bank lists 7 offices in 7 cities. Most locations:
- Colby, KS (1)
- Dodge City, KS (1)
- Garden City, KS (1)
- Goodland, KS (1)
- Leoti, KS (1)
- Saint Francis, KS (1)
- Scott City, KS (1)
Identity & history
Profile
- Legal name
- The Western State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 21121
- RSSD ID
- 988153
- Primary regulator
- FDIC
- Holding company
- Whitcorp Financial Co
- Established
- June 19, 1973
- Headquarters
- 1500 E Kansas Ave, Garden City, KS 67846
- Website
- www.wsbks.com
- Employees
- 124
Quick answers
The Western State Bank: common questions
Is The Western State Bank FDIC insured?
Yes. The Western State Bank is an FDIC-insured institution (FDIC certificate #21121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Western State Bank's TellerScore?
49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Western State Bank ever failed?
There is no failure record for FDIC certificate #21121 in the FDIC failed bank list.
How many branches does The Western State Bank have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Garden City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| KCB BankBank Lakin, KS | 73 out of 100, Strong | $322.3M | 12.6% | 1.15% | vs |
| Security State BankBank Scott City, KS | 72 out of 100, Strong | $1.0B | 10.2% | 0.26% | vs |
| Golden Plains Credit UnionCredit union Garden City, KS | 70 out of 100, Strong | $1.0B | 13.2% | 1.06% | vs |
| Grant County BankBank Ulysses, KS | 69 out of 100, Moderate | $298.3M | 13.3% | 2.07% | vs |
| Equity BankBank Andover, KS | 65 out of 100, Moderate | $7.7B | 10.6% | 1.18% | vs |